Find Low-Cost Belleair Car Insurance

Finding lower rates for Belleair car insurance is hard for consumers new to buying insurance online. You have so many options that it can be more work than you anticipated to compare prices in Belleair.

Choosing the best insurance company for you in Belleair is quite easy. If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. Florida drivers only need an understanding of the best way to find the lowest price on the web.

Don't pay full price with these discounts

Companies that sell car insurance don't list every discount very well, so we researched both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit available, you are throwing money away.

  • Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
  • No Accidents - Claim-free drivers pay much less when compared to drivers who are more careless.
  • Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Distant Student - Kids in college who are attending college and don't have a car may be able to be covered for less.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

compare Belleair car insurance rates

The car insurance bait and switch

Consumers in Florida get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all make an identical promise of big savings if you change to their company.

But how can every company claim to save you money? This is how they do it.

All companies can use profiling for the driver that earns them a profit. For instance, a driver they prefer might be between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher prices and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can confidently advertise the way they do. This emphasizes why you should get quotes from several different companies. You cannot predict the company that will provide you with the cheapest rates.

More tips and info about car insurance is located at the Florida Office of Insurance Regulation website. Visitors are able to download brochures, read industry bulletins, and report car insurance fraud.

Also read more on this site for car insurance rates in Florida and this list of insurance agents in Belleair, FL.

And the best car insurance company is...

People leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent and even policy cancellation. Regardless of your reason, switching car insurance companies is less work than it seems.

Cost effective car insurance can be sourced both online and also from your neighborhood Belleair agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.